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Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: I believe that Ulster Bank Ireland is getting a good deal. I suppose that the whole issue is the moral aspect. I am aware that the Government allows the banks to do this with deferred assets and so on but when we are in a situation with such homelessness - and considering Deputy Doherty's contribution on the vulture funds and people being given 30 days to pay up or get out - there is a...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: Okay. There is no such thing as a policy of barring anything or that the bank is just going to look at legal costs. The bank will look at all of the others costs associated with it.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: We will follow that and hold the bank to that. I will now turn to the bank's charges. AIB charges too much for the use of ATMs while the Bank of Ireland charges 20 cent per debit card transaction. Ulster Bank, however, combines the worst of both worlds by charging 35 cent for an ATM withdrawal and 20 cent per debit card transaction. Why is that? Ulster Bank also charges for contactless...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: Does Ms Howard agree that the Ulster Bank charges more than any other bank?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: Those were the other banks. I am drawing a comparison with the charges of other banks.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: Customers will decide for themselves on those charges. Who sets the €30 limit for contactless transactions?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: I believe that the limit of €30 per transaction for contactless really needs to increase.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: I understand that Ulster Bank Ireland has 88 branches now.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: Are there plans to close any further branches-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: -----or to make any more cashless banks? I am aware the bank has a number of cashless branches.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: With the broadband debacle, we are looking at the €3 billion and what will be got for that. We are looking at another seven years and whatever advances will be made in banking. As a rural dweller, I certainly do not trust that broadband will be delivered, even in the next seven years, to the area I come from. Banking technology will advance all the time but if people do not have the...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: It is important for us as a committee that people will have human contact when they choose to have it, especially so that elderly, loyal customers are not excluded.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: I welcome that and agree with Mr. Coyle about fraud and scams. I had €2,000 taken from my credit card a couple of weeks ago through a Facebook account. I was apparently buying advertisements for sewing machines in Australia and ski jackets somewhere else and €2,000 went just like that, over a number of transactions. There are more and more ways in which people are looking to...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: Carbon credit trading and Ulster Bank facilitating or-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: I think there are financial crimes there. The anti-money laundering guidelines need to be revisited. I think that case will evolve. I want to ask two more questions. One relates to deeds of houses. If somebody has a loan on a house and pays it off in full, then asks at a local branch of an Ulster Bank for his or her deeds back, that person is told that they cannot be found. The person...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: I will. On 18 August 2011, a person started to write to Ulster Bank. It is now 2019.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: Matters Relating to the Banking Sector (Resumed): Ulster Bank (9 May 2019)

Rose Conway Walsh: I will leave it at that.

Seanad: An tOrd Gnó - Order of Business (8 May 2019)

Rose Conway Walsh: Yesterday, we had the PR event on the national broadband plan. I stated previously that rural Ireland would not be fooled by this pre-elections stunt. People in rural Ireland know that, with the local elections imminent, they will get rural broadband without even knowing the details of the plan. Meanwhile, the Minister for Rural and Community Development, Deputy Ring, is going around...

Seanad: An tOrd Gnó - Order of Business (8 May 2019)

Rose Conway Walsh: That is what I would like to know.

Seanad: An tOrd Gnó - Order of Business (8 May 2019)

Rose Conway Walsh: It is crazy.

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